Rebirth Starts From 2006

It is troublesome to package and transfer non-performing assets of banks.

To put it simply, first of all, the head office issued a notice, everyone, there are people who have been taken advantage of, and the non-performing assets have to be packaged. If there is garbage to be disposed of, hurry up!

Then the branches and sub-branches below heard the news and moved like chickens and dogs.

How to make this bag, generally speaking, there are big and small, normal one bag for ten households, of course, there can be more,

In view of the fact that the acquirer is a very rare takeover, Min'an Bank requested that the operation be carried out on the basis of 30 households per package, and then enter the implementation stage.

The first step is for the branch to screen the non-performing loans of each sub-branch and determine the list of non-performing loans that make up the asset package. At this time, each sub-branch has to fight for the lead and strive to include their own non-performing loans in the package, so that the non-performing rate can be reduced.

But sometimes the sub-branch has to bargain with the branch above, and refuses to sell certain assets, probably because they think they can save it again.

But there are also requirements for asset packages. After all, the buyer is not an idiot. If you want to buy all the garbage in the package like a supermarket selling special fruits, they will not be willing to buy it.

So it’s time to regress or we have to regress, and get an asset group with five points of high quality, three points of parity and two points of garbage, and it can be justified up, down, left, right, and right.

After the list is determined, the sub-branches with non-performing loans can start working.

What are you doing?

It is to evaluate the non-performing loan claims to be transferred.

Banks will have two prices for non-performing assets, one for external evaluation and one for internal evaluation.

The external evaluation price is of course the valuation given by the external evaluation company, and the internal evaluation price is the value assessed by the bank itself.

At this point the point comes,

All valuations must be based on detailed due diligence. After all, this is the sale of bank assets at a discount. Once losses are involved, the sub-branch must be required to be responsible for the final result.

It can be said that every sentence in the valuation report must be carefully considered to ensure that it has a basis and can withstand various audits by internal and external audits.

To put it bluntly, compared with the due diligence of banks when lending, compared with the due diligence of packaging and selling assets, they are not even worthy of carrying shoes!

Then, after the due diligence is done, there is the valuation,

Cough cough, I have to say something here,

Due Diligence belongs to Due Diligence,

Be sure to check the nine generations from top to bottom, left to right, as clear as possible,

However, due diligence is not equal to valuation. Due diligence only provides a reference for valuation. There will be a set of price calculation methods inside the bank, such as deducting capital costs or multiplying by a monetization coefficient (see, here is the trick!), forming the final price of the bank. internal evaluation,

At this time, the external evaluation agency will also give an external evaluation rating based on the due diligence information.

If there is not much difference between the two prices, an average will be taken; if there is a large difference, the leader will hold a meeting to collectively deliberate which price system to use.

Of course, in the process of pricing, internal and external communication will also be maintained (the tricky one comes again).

After I came here, or during the due diligence, the bank will look for the asset management company, ahem, and internal customers to carry out the transfer and digestion.

But this time, there is no need. With Rainbow Fund as a super taker, Min'an Bank only needs to do the work in front of it.

In fact, as early as the end of last year, when the financial crisis first appeared, banks had already begun to sort out the list of non-performing assets.

In particular, some high-quality assets with potential, such as factories with land, merchants with real estate, and so-and-so with land or real estate, have already completed due diligence and entered the list of non-performing loans at the head office. Looking for a transferee company to take over,

It’s just that it’s not a financial crisis during this period. Many asset management companies can’t survive, and other companies don’t dare to spend money recklessly, so not many are sold.

until now!

As soon as the two parties signed the contract, Min'an Bank provided a list of the elders' assets,

And leave a sentence, don't worry, there will be more later!

Seeing this asset package list, Qin Yu threw it into the shopping cart as if he was shopping in a supermarket.

"This, this, this, and this, um, this too, this, this, this..."

Chen Yang was a little frightened at the side, for fear that the flowers would exceed the budget.

Looking at Chen Yang's expression, Huang Shan couldn't help being a little amused, "That's all right, it's only a few dollars, see how nervous you are."

Chen Yang wiped his forehead, and let out a long breath, "I was thinking, what are we going to use for buying so many cars, production equipment, raw materials, and industrial products in those asset bags?!"

Huang Shan shrugged and said with a smile, "There's no way, that's what asset packages are like. If you want those high-quality assets, you have to accept them.

However, these things cannot be said to be completely useless, and I have seen the valuations, and they are all below the market price. If they can be used in the right place, they can be considered a big profit. "

"I agree with Mr. Shan's words,"

Qin Yu turned around and said, "There are no low-quality assets, only people who don't know how to use them. Besides, there are only these types of bank assets that can be mortgaged, and you can't escape those categories even if you change them."

As he said, he snapped his fingers, "Buildings and other land attachments; construction land use rights; land contractual management rights; production equipment, raw materials, semi-finished products, products; buildings, ships, and aircraft under construction; means of transportation; and other Property that is not expressly prohibited by law or regulation.

Now in the list of asset packages sent by Min’an Bank, assets with land or real estate account for almost half, and then one-third are vehicles, ships and other means of transportation, as well as production equipment, industrial raw materials, and finally less than one-third One is low-value industrial semi-finished products and finished products,

It can be said that the sincerity is full, and it is not in vain that we have invested so much money! "

The corners of Chen Yang's mouth twitched slightly. Does he dare not be sincere? He will soon be the major shareholder of Min'an Bank. It doesn't matter if he deceives outsiders. There is no reason to deceive his major shareholder!

"Hmm," Huang Shan coughed dryly, pursed her lips and said, "Well, I can't say that they are sincere, it can only be said that it just suits our appetite."

Chen Yang and Qin Yu turned their heads to look at her together,

What's the meaning?

Huang Shan pursed her lips and said, "According to the latest statistics from the Anjia Real Estate Research Institute, there are varying degrees of unsold land in major cities across the country. This is due to the intervention of Hengli Real Estate, which has frantically acquired land in the 20 major cities." As a result, otherwise, the unsold rate would reach over 70%!

Then, housing prices in major cities across the country have fallen into a state of stagnation, and even in the suburbs or some second- and third-tier cities, there are varying degrees of decline.

Therefore, at this time, the land and real estate in the bank's non-performing asset package are actually very difficult to dispose of! "

Qin Yu blinked, looked at Huang Shan, and then looked at almost half of the land and real estate in the list. After a few seconds, he turned his head and glared at the boss.

"It's because you were dazzled by beauty and told Zhou Na and Zhang Jin to be optimistic about the medium and long-term real estate market, that's why they bullied people like this!"

Chen Yang looked at him speechlessly with an old face,

Can you blame yourself for this? !

Then he sighed, "Miss, they sent us the land and real estate, isn't that just right!"

Qin Yu blinked again, thinking about it, it seemed right,

What others are afraid to touch is exactly what Boss Chen is optimistic about.

Then, Min'an Bank sent a large amount of real estate, wouldn't it be in the hands of Boss Chen!

Then, she gave a thumbs up, "This handsome guy is a good plan, keep going!"

Then continue to add to the shopping cart, "This, this, and this..."

Then, she was not happy,

Even if you are a shopaholic, buying just one thing is monotonous.

Then he called the project manager over, "According to this standard, assets in the top 20 cities in the country can be acquired, and others are not!"

The manager saw it, hey, it's easy, don't you just need hands, so he happily prepared to go to work. Before leaving, he suddenly remembered something, turned around and asked, "How much is the upper limit for acquisitions?"

Qin Yu patted the table proudly, "As long as it is an asset package that meets the requirements, you can pull it in, and there is no upper limit on funds!"

Just kidding, based on the current total assets and non-performing ratio of Min'an Bank, the total non-performing loans of the entire bank may be about 30 billion, and less than half of them are allocated to the top 20 cities.

Then choose according to the conditions she set, and it would be good to have half of it left. Is there still a need to set an upper limit for the total amount of billions? !

When the project manager saw it, he became very proud and immediately got out to work.

Boss Chen looked at the long list and frowned tightly, "Let's discuss it, the land and real estate are easy to deal with, what about other things?"

"Don't worry, I won't let you lose money!"

Qin Yu put his hands on the table, tapped his ten fingers back and forth, and said with a smile, "Other things can be divided into three categories, automobiles, production equipment, industrial raw materials, industrial semi-finished products, and finished products.

Cars are easy to solve. Anjia Real Estate and Hengli Real Estate have started to expand nationwide. These vehicles can be transferred to these two companies at a fair price, and they have saved a lot of purchase fees.

As for production equipment, industrial raw materials, industrial semi-finished products, and finished products, although it is more complicated to deal with, it is not too troublesome.

The simple way is to find the corresponding buyers and deal with them at a low price. With the current asset packaging price, it is impossible to lose money, and there should be a lot of profit.

However, I discussed it with Mr. Shan, and this approach is the worst! "

Chen Yang raised his eyebrows, "Then, what is the best way?"

Qin Yu snapped his fingers, tapped the keyboard to call up a plan, and at the same time the flat-screen TV on the wall lit up,

Chen Yang turned his head to look, and frowned slightly, "Do you want to use these things to enrich the future industrial new city?"

"That's right!"

Huang Shan stood up, walked to the TV, pointed to the TV, and said, "The total planning area of ​​the new industrial city in the future is 4,000 mu. Except for the core business district and the residential district, there are only three projects that have been finalized so far.

Huahuo Science and Technology Park, Damai Science and Technology Park East, and Dajiang Science and Technology Park, these three science and technology parks add up to only 1,500 acres of land.

Even if the 400 acres of land used for commercial and residential purposes are excluded, there are still more than 2,000 acres of land left. We can definitely use part, or even all, to build new industrial areas. "

Chen Yang rolled his eyes, looked at Huang Shan, then at the planning map, then frowned, and turned to look at Qin Yu, "Hey, didn't you choose blindly just now?!"

"Hahaha……"

Qin Yu raised his head and laughed, with a complacent look, "Do you think Miss Ben looks like a random shopper?!"

Chen Yang's face collapsed, this damn girl dared to tease the boss, she was simply lawless!

Huang Shan pursed her lips and smiled, and said, "We asked Rongrong the day before yesterday which types of non-performing assets Min'an Bank had the most in Guangdong, and she just said,

Mainly include electronic information, textiles and clothing, chemical products, food and beverage, electric machinery, papermaking, furniture, toys, etc., which category is more focused, that is, the industry with the most non-performing loans, electronics, furniture, toys, clothing and other traditional industries The manufacturing industry was particularly affected.

In this round of financial crisis, Guangdong is the most affected in China, and Minan Guangdong branch is also the branch with the highest non-performing loan ratio. It is because of this that Zhou Na's mother, the vice president Liu Xiufen, has the opportunity to be promoted to President! "

"what?"

Chen Yang was taken aback for a moment, "Is Liu Xing Zhou Na's mother?"

Huang Shan curled her lips, turned her head to look at Qin Yu, and the two of them gave a high five,

Qin Yu smiled triumphantly, "Sure enough, he doesn't know!"

Chen Yang was a little speechless, no wonder he always found Liu Xing's face familiar, but he didn't expect it to be Zhou Na's mother.

Well, this matter has nothing to do with me, now even Liu Xing has to worry about his face, let alone Zhou Na.

Huang Shan controlled her smile, coughed dryly, and continued,

"Then I discussed it with Xiaoyu. Didn't you say before that the country will definitely rescue the market this year, and it is likely to start with domestic demand.

Therefore, we took this as the starting point and let the people of the Rainbow Economic Research Institute conduct deduction to determine the framework of the three major industries of consumer electronics, furniture and clothing.

Needless to say, consumer electronics has always been a hot spot in the consumer sector, and clothing is similar. As for furniture, it is an industry that is deeply tied to real estate. As long as your guess is correct, these three industries will definitely have a bright future.

If you pay a little attention, you will find that the asset packages selected by Xiaoyu just now are basically within the scope of these three industries! "

As soon as Huang Shan finished speaking, Qin Yu smiled teasingly, "Oh, my wife is by my side now, of course I miss my dear wife, why would I read such cold written materials!"

Chen Yang rolled his eyes, "If you don't have yin and yang, you will die, right!"

Qin Yu narrowed his eyes slightly and confronted each other, "Going crazy!"

puff……

Huang Shan raised her head and laughed speechlessly. After a while, she shook her hands and said, "Have you guys finished arguing? We haven't finished talking yet."

Chen Yang flicked his face, good men don't fight with women, then looked at Huang Shan, "Speak up if you have something to say."

"Um,"

Huang Shan shrugged and said solemnly, "If all these assets are arranged in the new industrial city of the future, then we need to have a unified arrangement for them, whether to integrate them into one company by industry, or let Chuangfuture intervene and use the product line Let’s divide the projects, and we’re going to decide now.”